Wondering how I'll pay my mortgage

bigjl

I have read a fair bit of this thread and not being funny but when I was self employed I worked as many hours as I needed to to pay my bills and have enough left over to live on.

When I joined the Ambulance service I took a drop in pay, so I worked up to 200 hours of O/T a month to make ends meet.

When there was no O/T available I worked two jobs, to make ends meet.

For the last 7 years my wife has worked full time, so i would do a 12 hours shift come home have an hours kip, take the kids to school, have another few hours kip and then collect the kids.

When the kids where too young for school I would have to do without sleep to look after my kids or pay for child care in either case if I had to work when the kids where at home.

I have never claimed benefits, almost certainly entitled at some point, but not my thing.

When one of my kids hits 14 then things will be a lot easier, the OP already has kids of that age.

Did the OP do the training to ensure her benefits continued, only the OP knows the answer to that, I know what I think.

But going from what I have read the government is reducing mortgage interest to a rate well below most mortgages.

And as far as the prospective job goes, if it is a school and the OP was on JSA, then they will inform them, they are duty bound to do so. I am sure there are financial incentives to employ somebody that was on JSA or was a long term unemployed person.

To be honest I can understand why people avoid work, why work when you can do nothing, I have been off sick for three months now, on my way to ill health retirement, I will probably not have a full time job again, and from what I have seen and read I will have the devils job to get any entitlement that I may be due.

But it will be worth seeing people that have made a conscious choice to stay unemployed finding themselves in the smelly stuff when the money runs out, funny how the seats with high levels of unemployment tended to vote for Labour, isn't it.

Sadly for some the gravy train has ended.

Can somebody point out why the taxpayer should pay somebodies mortgage for almost 10 years and the person then has the right to sell the house which they haven't paid for.

Benefits are a short term thing to help you get back on your feet, not a lifestyle choice. The caveat with that is that if you can't work through illness or disability then you should be afforded all the help you need, or any help you need to get you retrained.

I know of familys in East London that went on the sick for "stress" and backache" twenty years ago and have had the mortgage paid ever since, they are now looking to sell up and move to Spain on the proceeds.

This isn't why my grandfather and some of my Uncles fought in the 2nd World War.


The OP said "I don't see how I'm going to be sanctioned as the job I applied for I didn't get. There's no reason for the jobcentre to know that I was offered another unsuitable position."

You might find that non disclosure in this way would be treated as "Obtaining a Percunary Advantage by Deception", after JSA is just that an allowance to help you obtain work, not an allowance to allow you to wait for the perfect job, do you think a TA course makes you candidate of the year, you haven't worked in the best part of ten years, the school tried to give you a helping hand, with a job that would look good on your CV, with the chance to get the better job in a year or so after you have proved yourself, sadly in refusing the job you have only confirmed any negative thoughts they may have had employing somebody that was long term unemployed, well done for that.

devildog

I disagree re teaching assistants being paid minimum wage especially with an OU course behind them. I didn't have any qualifications(barring basic school ones at age 16) and the wage was above minimum wage and within a year or two reached nearly double the minimum wage. Those sort of jobs that fit in with children(after school/holidays etc) are like gold dust and I think the OP, by choosing not to accept, missed a fantastic opportunity.

michaels

The govt has stated that those on IB JSA will only receive mortgage interest for 104 weeks. Do you not think that your telling the OP otherwise is doing them a dis-service, they will be the one who suffers when the money is stopped having turned down an alternative based on your erroneous advice whereas you will continue to be fine?

andyandflo wrote: »

And Mortgage Interest Payments will continue, albeit for a lesser amount. There is no way this government would dare to consider stopping it altogether.

MaggieD

devildog wrote: »

I disagree re teaching assistants being paid minimum wage especially with an OU course behind them. I didn't have any qualifications(barring basic school ones at age 16) and the wage was above minimum wage and within a year or two reached nearly double the minimum wage. Those sort of jobs that fit in with children(after school/holidays etc) are like gold dust and I think the OP, by choosing not to accept, missed a fantastic opportunity.

I whole-heartedly agree - and had I got the position I applied for in the first place I would have accepted it and been delighted.
However (and what people here are finding it difficult to grasp) the position I was offered was working exclusively, one to one with a nursery aged child with severe special needs (cerebral palsy).

Whilst some people are capable and happy to do this kind of job, and I highly commend them, I have no experience in this field and I know I would find it extremely limiting given that the experience I have gained working with a range of variously abled children is what I want to do and what I applied to do at that school.

Sadly, many of the posters on here seem to think I should take any job, regardless of whether it is something I know anything about, or whether it would pay enough to allow me to keep a roof over my two boys heads. Rather blinkered.

I am confidant that another position will arise soon (a friend of mine who is already a higher level teaching assistant, starting where I would) has told me there is due to be a vacancy soon where she works, so I am happy to wait a short while longer and then take a position I have experience in, where I will be able to use the information I have studied, rather than taking a position I am not comfortable with.

I expect a torrent of 'you should accept a job lickin' t' road clean wit' yer tongue like me grandad did'

Go ahead.

TOBRUK

MaggieD wrote: »

I whole-heartedly agree - and had I got the position I applied for in the first place I would have accepted it and been delighted.
However (and what people here are finding it difficult to grasp) the position I was offered was working exclusively, one to one with a nursery aged child with severe special needs (cerebral palsy).

....

I am confidant that another position will arise soon (a friend of mine who is already a higher level teaching assistant, starting where I would) has told me there is due to be a vacancy soon where she works, so I am happy to wait a short while longer and then take a position I have experience in, where I will be able to use the information I have studied, rather than taking a position I am not comfortable with.

Is it under the same education authority that you had your last interview?

The job they offered you (which you turned down) must have been within your qualifications otherwise they wouldn't/couldn't have offered it, although you hadn't any working experience in.

Sorry, I'm just wondering how they will look at your next application. Did they accept your reasons for turning the job offer down despite the fact that it wasn't the specific post you were interviewing for? What was the vibe?

Is it in the same authority but a different school?

MaggieD

Yes, same authority different school.

When I rang the head to explain that I would rather work with older children with mixed abilities, and also as I was supporting my mum after our recent bereavement and they wanted someone to start immediately, I felt I wasn't in a position to accept.

He was extremely understanding and said he would keep me on their records if another position arises.

Basically a very understanding and helpful man. Very unlike many of the posters on this site.

Oldernotwiser

TOBRUK wrote: »

Is it under the same education authority that you had your last interview?

The job they offered you (which you turned down) must have been within your qualifications otherwise they wouldn't/couldn't have offered it, although you hadn't any working experience in.

Sorry, I'm just wondering how they will look at your next application. Did they accept your reasons for turning the job offer down despite the fact that it wasn't the specific post you were interviewing for? What was the vibe?

Is it in the same authority but a different school?

That's exactly what I was thinking. Education is a small world and word gets around about this sort of thing. In addition, all the education jobs I've been offered you have to accept or decline immediately after the interview and this doesn't seem to have been the case here.

Oldernotwiser

MaggieD wrote: »

Yes, same authority different school.

When I rang the head to explain that I would rather work with older children with mixed abilities, and also as I was supporting my mum after our recent bereavement and they wanted someone to start immediately, I felt I wasn't in a position to accept.

He was extremely understanding and said he would keep me on their records if another position arises.

Basically a very understanding and helpful man. Very unlike many of the posters on this site.

All employers say they'll keep applicants on the records; it doesn't say what note is attached to their application though.

By the way, what would you have done if you'd already been in post when your father died; you'd only be allowed a few days off after a bereavement.

MaggieD

Such a caring lovely bunch of people - I must recommend you to others in need of 'advice'

Sam____2

MaggieD wrote: »

Such a caring lovely bunch of people - I must recommend you to others in need of 'advice'

You got plenty of good advice, you're just bitter because what you didn't get told was, "yes no problem stay on benefits for as long as you like, don't take any jobs that aren't absolutely perfect and we will continue to pay your mortage for you indefinately"

You're going to have to wake up and smell the coffee sooner or later.
You feel hard done by even though you've had your mortgage paid for you for 10 years!!!!

unbelievable arogance...

and then you start to add arms and legs on to your circumstances to try and justify your actions.